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PrimeCredit EarnMORE UnionPay Diamond Card

PrimeCredit EarnMORE UnionPay Diamond Card

MoneyHero Exclusive OfferFeatured Product
PrimeCredit EarnMORE UnionPay Diamond Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
DYSON V7 Fluffy+ Wireless Vacuum Cleaner / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$500 cash rewards exclusively from MoneyHero
Up to 3% cash rebate when you spend with the Card during the holiday season; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Up to 3% cash rebate when you spend with the Card during the holiday season; 3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
BEA UnionPay Dual Currency PLATINUM Credit Card

BEA UnionPay Dual Currency PLATINUM Credit Card

MoneyHero Exclusive OfferFeatured Product
BEA UnionPay Dual Currency PLATINUM Credit Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
0.4%
Overseas Spending - Cashback Rate
MoneyHero Exclusive Offer:
[Top-up Offer till 8 Feb] Grandaz 3L Intelligent Air Fryer / HK$300 HKTV MALL Cash Coupons as welcome gift, plus HK$600 supermarket coupon exclusively from MoneyHero
3X reward points for local dining spending; 2X reward points for all other local retail spending
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
3X reward points for local dining spending; 2X reward points for all other local retail spending
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
HSBC Pulse UnionPay Dual Currency Diamond Credit Card

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Latest Offer
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
1%
Foreign Currency Transaction Fee
Latest Offer:
Successfully apply online to enjoy up to $700 RewardCash
Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)
First 2 years annual fee waiver
Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)
First 2 years annual fee waiver
HSBC UnionPay Dual Currency Card

HSBC UnionPay Dual Currency Card

Latest Offer
HSBC UnionPay Dual Currency Card
1%
Foreign Currency Transaction Fee
Latest Offer:
Successfully apply online to enjoy up to $700 RewardCash
Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)
First 2 years annual fee waiver
Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)
First 2 years annual fee waiver
PrimeCredit WeWa UnionPay Diamond Card

PrimeCredit WeWa UnionPay Diamond Card

MoneyHero Exclusive Offer
PrimeCredit WeWa UnionPay Diamond Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
Jabra Wireless Headphones / Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome offer; plus HK$500 cash rewards exclusively from MoneyHero
3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
3-month Interest-free Credit Card Transaction Instalment Plan
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
CNCBI GBA Dual Currency Credit Card

CNCBI GBA Dual Currency Credit Card

MoneyHero Exclusive Offer
CNCBI GBA Dual Currency Credit Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
MoneyHero Exclusive Offer:
Up to HK$900 Trip.com Gift Card / Up to HK$800 Cash Rebate as welcome gift; plus HK$350 Cash Rebate exclusively from MoneyHero
Up to 4% Cash Rebate on RMB spending in the first 6 months
First year annual fee waiver
Up to 4% Cash Rebate on RMB spending in the first 6 months
First year annual fee waiver
AEON UnionPay Credit Card

AEON UnionPay Credit Card

Latest Offer
AEON UnionPay Credit Card
No Fee
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
Latest Offer:
Enjoy up to 3% rebate as welcome gift
Successfully apply online via AEON website to enjoy HK$100 extra rebate
Up to HK$1,700 spending reward upon accumulated eligible spending of designated amount
Successfully apply online via AEON website to enjoy HK$100 extra rebate
Up to HK$1,700 spending reward upon accumulated eligible spending of designated amount
CCB (Asia) Octopus Auto Living UnionPay Diamond Card

CCB (Asia) Octopus Auto Living UnionPay Diamond Card

MoneyHero Exclusive Offer
CCB (Asia) Octopus Auto Living UnionPay Diamond Card
0%
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
0.4%
Overseas Spending - Cashback Rate
MoneyHero Exclusive Offer:
HK$300 Cash Rebate / Free Car Washing Service as welcome gift; plus extra HK$200 Supermarket Coupon exclusively from MoneyHero
Best for car owners; perpetual annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Best for car owners; perpetual annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Hang Seng UnionPay Platinum Card

Hang Seng UnionPay Platinum Card

Hang Seng UnionPay Platinum Card
1.2%
Foreign Currency Transaction Fee
Not Available
Overseas Spending - Air Miles Conversion
Perpetual Annual Fee Waiver
Perpetual Annual Fee Waiver
Need some help?
No worries, we've got you covered!
How many types of credit cards in Hong Kong? How should I choose my credit cards?

The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB.

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

What are the class levels of UnionPay credit cards?

UnionPay credit cards issued in Hong Kong can be classified into 4 levels: classic cardgold cardplatinum card and diamond card, while diamond card is the most premium one.

Cardholders of UnionPay Diamond Card can enjoy free access to Plaza Premium lounge up to 3 times a year and other exclusive offers, such as hotel dining discounts and movie ticket buy 1 get 1 free. Applicants with a minimum annual salary of HK$150,000 are able to apply.

What are the advantages of using a UnionPay credit card?

The main advantage of UnionPay credit cards is “0% foreign currency transaction fee” (other credit cards usually charge around 2%), which allows cardholders to shop oversea without extra cost.

Besides, UnionPay also issues "dual currency credit cards" that can separate HKD and CNY transactions by offering two accounts in one card so that cardholders can enjoy flexible payment.

How's the currency exchange rate of Unionpay Card?

The foreign exchange rate of UnionPay is slightly worse than Visa and Mastercard. However, credit cards issued by Visa and Mastercard charge around 2% overseas transaction fee while UnionPay doesn't charge any. Taking it into account, Unionpay's overall rate will be better.

Which merchants or regions accept UnionPay Card?

UnionPay Card is widely used in mainland China. Even in Hong Kong, most of the chain stores also accept UnionPay payment. UnionPay is also accepted by large merchants in Japan, South Korea and many other Asian countries. Nevertheless, UnionPay is not that popular in Europe and the United States, it is recommended to bring a Visa or Mastercard credit card when traveling to these regions.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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